Indiana Auto Insurance Policy Requirements

Q: What is in a basic Indiana auto insurance policy?
A: When you consider purchasing an Indiana auto insurance policy, you will encounter these basic types of coverage that can be added to it:

  1. Liability Coverage
    1. Insurance companies look at property and people separately when considering damage to either. Therefore liability insurance is separated into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Indiana law requires that drivers possess liability coverage. The following is the minimum liability coverage needed in your auto insurance policy to legally drive in Indiana:
      1. 25/50/10” (Indiana’s minimum auto insurance requirement)
      2. $25,000 for the injury or death of one person.
      3. $50,000 for the injury or death of more than one person.
      4. $10,000 for the damage to property.
    3. Liability minimums are different for leased vehicles.
  2. Collision Coverage has to be added to your auto insurance policy only if your vehicle is financed (not completely paid for). If your vehicle has been paid for, then collision is a recommended but not required option on your auto insurance policy.
  3. Comprehensive Coverage, like collision coverage, is only required while your vehicle is financed. After the vehicle has been paid off, comprehensive becomes an optional part of an Indiana auto insurance policy.
  4. Medical Payments Coverage is certainly recommended, though not required, for an Indiana auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage for auto insurance policies in Indiana is also optional.
  6. Personal Injury Protection (PIP) Coverage is not a mandatory part of an Indiana auto insurance policy.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Indiana a No-Fault state?
A: No, Indiana does not require no-fault insurance.

Q: How can I get a discount on an Indiana auto insurance policy?
A: Several discounts are possible to reduce the price of your Indiana auto insurance policy. Here is our list of auto insurance discountsto help you discover if you qualify.

Q: Where can I find more information about Indiana auto insurance?
A: There are several sources of Indiana insurance information on the internet:
  1. Indiana Insurance Resources
    1. At the Indiana Bureau of Motor Vehicles (BMV) drivers can renew plates and obtain driver’s licenses.
    2. The Indiana Department of Insurance (IN DOI) is a state regulatory agency that works to ensure market stability and fairness between insurance providers and consumers. An automobile insurance pageoutlines state requirements.
  2. National Insurance Resources

CLICKinsure happily provides auto insurance to the “Hoosiers” of Indiana, home of the Indy 500 and one of the oldest archaeological sites in U.S. With CLICKinsure as your broker, one of our agents will inform you of your options with car insurance in any area of Indiana, including Indianapolis, Anderson, Bloomington, Columbus, Elkhart, Evansville, Fort Wayne, Gary, Kokomo, Lafayette, Michigan City, Muncie, South Bend, and Terre Haute. Whether you live on the banks of the Wabash or surrounded by farmland stretching to the horizon, CLICKinsure will deliver the best auto insurance possibilities.